Are you a Farmers Insurance Customer or considering a Farmers Insurance quote for auto insurance? Find out more about Roadside Assistance & Towing coverage through Farmers Insurance!
In this article, we will share what we learned from requesting an online quote and calling the Farmers Insurance quote line about Roadside Assistance & Towing coverage! Learn about the cost, how it works, and what other options are available.
Is Farmers Insurance Roadside Assistance & Towing Worth It?
For existing Farmers Insurance policyholders, adding Roadside Assistance to your auto insurance for a couple of dollars a month is worth it. Roadside Assistance can become expensive, and $150 per claim is worth a bit of change every month.
For potential customers, there are other options for roadside assistance.
Our advice: Only select Farmers Insurance if they have the best overall quote for your coverage needs. You may find that other roadside assistance and towing services offer more robust coverage that make obtaining roadside assistance & towing services less expensive when you need them. Farmers currently has a maximum claim benefit of $150 for their program which means actually receiving assistance or a tow is likely to cost you out of pocket. While their pricing is reasonable, their program may not cover everything you want or need.
What Is Covered By Farmers Insurance Roadside Assistance & Towing?
Farmers Insurance offers two tiers of Roadside Assistance & Towing coverage: standard and enhanced. Each claim has a maximum benefit of $150, and towing is covered up to 100 miles in most areas.
Farmers Insurance Roadside & Towing covered services with the standard plan include
- Emergency towing with mileage up to 100 miles
- Dead battery jumpstart
- Flat tire change
- Locksmith services
- Roadside winching for stuck vehicles
- Fluid delivery, including fuel or coolant
The enhanced Roadside Assistance coverage through Farmers Insurance includes
- Services from the standard plan
- Roadside battery testing and replacement
- Alternative transportation when needed
How Do You Get Farmers Roadside Assistance Coverage?
Farmers Roadside Assistance coverage is available to Farmers Insurance auto policyholders. Farmers Insurance does not offer Roadside Assistance Coverage as a stand-alone service.
Pro Tip: If you are a current Farmers Insurance auto insurance policyholder, contact your agent to add this benefit to your policy. You may also log into your online portal and review your policy options. Policyholders with Roadside Assistance can file a claim online too.
For others considering a Farmers Insurance Policy, you can add Roadside Assistance & Towing to your quote on the website. Potential customers can also call 1-800-206-9469. Keep reading to find other options for roadside coverage!
What Does Farmers Roadside Assistance Cost?
Adding Roadside Assistance to an auto insurance policy through Farmers Insurance will cost a couple of dollars per month per vehicle.
Standard Roadside Assistance & Towing costs approximately $1 per month per vehicle. Enhanced coverage is about $2 per month per vehicle. We called the quote line at 1-800-206-9469 to get this up-to-date quote information.
Using the website to obtain quote information, we were quoted $2.17 for a single vehicle with two drivers. This coverage is labeled as “Towing and Road Service.”
How Does Farmers Roadside Assistance & Towing Work?
Farmers Insurance policyholders have two options to access their Farmers Roadside Assistance and Towing benefits.
- Option #1: Contact service providers through the Farmers Insurance website or phone.
- Option #2: Find services on your own and submit a receipt for reimbursement.
How Does Using Farmers Insurance Website/Phone Work for Roadside Claims?
Once you have called or filed a claim online, Farmers Insurance will contact the applicable roadside service providers and send them to your location. Farmers Insurance is contracted with more than 20,000 roadside towing and service companies nationwide and more than 10,000 locksmiths.
- Towing is covered up to 100 miles in most areas and up to 120 miles in select locations.
- For each claim, there is $150 maximum coverage.
- Farmers Insurance will send the nearest provider to your location.
How Does Submitting Receipts to Farmers Insurance for Reimbursement Work?
If a Farmers Insurance policyholder contacted a service provider on their own for a covered roadside need, then they can submit receipts to Farmers Insurance for Reimbursement.
Receipts can be uploaded online to file the claim. Claim benefits remain capped at $150 each, or 100 miles of towing.
What Are Other Options for Similar Coverage?
If you’re not a Farmers Insurance auto insurance policyholder, you don’t have to become one to get roadside assistance coverage. Options are available through other auto insurance or travel insurance companies.
For example, USAA offers a Roadside Assistance package with similar coverage and pricing but tends to have cheaper annual premiums than Farmers Insurance.
Allstate Insurance also offers Roadside Assistance memberships to non-policy holders. Coverage starts at $89 per year. A pay-per-use option through Allstate also covers towing costs beyond $149.
AAA offers Roadside Assistance Plans starting at $38.50 per year and a premier membership for $91.75 that covers up to 200 miles of towing. The benefit of this coverage is that it covers you as a driver and as a passenger, regardless of the vehicle.
While many of these other benefits may cost more than the list price for Farmers Insurance, the difference would easily be covered by a more competitive auto insurance policy.
Conclusion: Should You Add Roadside Assistance & Towing to Your Policy?
If you’re an existing auto policyholder through Farmers Insurance, adding Roadside coverage for about $2 per month is savvy coverage to add. Having fuel delivery, towing, and locksmith services coverage is important coverage to have. But, if you want to be covered for more that $150 per claim, you’ll want to consider other options.
Frequently Asked Questions
What is the reputation of Farmers Insurance?
Farmers Insurance is listed in the top three best insurance companies due to its high customer satisfaction with claims resolution. The downside of Farmers Insurance is that its policies tend to be more expensive than competitors.
Is Farmers Insurance good at paying claims?
More than half of all Farmers Insurance customers who filed claims were completely satisfied with the resolution of their claim. Similarly, most customers found filing a claim to be easy and were pleased with status updates throughout the process.
What is the Farmers Insurance phone number?
To get a quote from Farmers Insurance, call 1-800-206-9469.
To file a claim with Farmers Insurance, call the claims center at 1-800-435-7764.
Resources
(2022). The Best Car Insurance Companies 2022. US News. Retrieved December 20, 2022, from https://www.usnews.com/insurance/auto/best-car-insurance-companies
Farmers Insurance (2022, December 28). Farmers Insurance Fast Quote. Farmers.com. Retrieved December 28, 2022, from https://esales.farmers.com/fastquote/auto/quote
Farmers Insurance (2022). Get Towing and Roadside Assistance. Farmers.com. Retrieved December 28, 2022, from https://www.farmers.com/claims/roadside-assistance/
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
